Standalone Coverage Map

Alaska Property & Casualty Insurance State

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1 Standalone Coverage Map

Standalone Coverage Map

2 Introduction: Alaska Property & Casualty Insurance Exam Overview

Alaska Property & Casualty Exam Overview

3 National Portion: Insurance Fundamentals

1.1 Risk, Hazards, Perils, and the Law of Large Numbers 1.2 Insurable Interest, Indemnity, and Other Insurance Principles 1.3 Insurance Contract Law and Elements 1.4 Policy Structure: Declarations, Insuring Agreement, Conditions, Exclusions 1.5 Parties, Agents vs. Brokers, and Authority

4 National Portion: Property Insurance Concepts

2.1 Causes of Loss / Named-Peril vs. Open-Peril 2.2 Valuation: ACV, Replacement Cost, and Functional Value 2.3 Coinsurance and the Coinsurance Formula 2.4 Deductibles, Limits, and Loss Settlement 2.5 Common Property Policy Conditions and Clauses

5 National Portion: Dwelling Policies (DP)

3.1 Dwelling Policy Forms DP-1, DP-2, DP-3 3.2 Dwelling Coverages A-E and Other Coverages 3.3 Dwelling Perils, Conditions, and Endorsements 3.4 Mobile Home and Specialized Dwelling Coverage

6 National Portion: Homeowners Policies - Forms & Section I

Homeowners Forms HO-2 through HO-8 and Eligibility Section I Coverages A-D and Additional Coverages Section I Perils Insured Against and Exclusions Replacement Cost vs. ACV and Loss Settlement in Homeowners

7 National Portion: Homeowners Policies - Section II & Endorsements

Section II Coverages E (Liability) and F (Medical Payments) Homeowners Conditions and Duties After Loss Common Homeowners Endorsements

8 National Portion: Personal Auto Policy - Liability & Injury

6.1 Personal Auto Policy Structure and Eligibility 6.2 Part A Liability and Supplementary Payments 6.3 Part B Medical Payments 6.4 Part C Uninsured/Underinsured Motorists

9 National Portion: Personal Auto Policy - Physical Damage & Duties

7.1 Part D Coverage for Damage to Your Auto 7.2 Exclusions and Part E Duties After an Accident 7.3 Part F General Provisions, Endorsements, and No-Fault Concepts

10 National Portion: Liability Insurance Concepts

8.1 Negligence, Torts, and Legal Liability 8.2 Defenses, Damages, and Vicarious Liability 8.3 Occurrence vs. Claims-Made Triggers 8.4 Bodily Injury, Property Damage, and Personal/Advertising Injury

11 National Portion: Commercial Property Insurance

9.1 Commercial Package Policy Structure and Common Policy Conditions 9.2 Building and Personal Property Coverage Form (BPP) 9.3 Causes of Loss Forms (Basic, Broad, Special) 9.4 Business Income and Extra Expense 9.5 Commercial Property Endorsements and the BOP

12 National Portion: Commercial General Liability - Coverages

10.1 CGL Coverage A: Bodily Injury and Property Damage Liability 10.2 CGL Coverage B: Personal and Advertising Injury, Coverage C: Medical Payments 10.3 Who Is an Insured and Supplementary Payments

13 National Portion: Commercial General Liability - Limits, Triggers & Exclusions

11.1 CGL Limits of Insurance and Aggregates 11.2 Occurrence vs. Claims-Made CGL and Retroactive Dates 11.3 Key CGL Exclusions and Endorsements

14 National Portion: Commercial Auto Insurance

12.1 Business Auto Coverage Form and Covered Auto Symbols 12.2 Commercial Auto Liability and Physical Damage 12.3 Motor Carrier / Trucking and MCS-90 12.4 Garage Coverage Form and Garagekeepers 12.5 Commercial Auto Endorsements

15 National Portion: Workers Compensation

13.1 Workers Compensation Statutory Background and Benefits 13.2 Part One (Workers Comp) and Part Two (Employers Liability) 13.3 Premium Basis, Experience Modification, and Classification 13.4 Other States, USL&H, and Federal Acts 13.5 Workers Comp Exclusions and Endorsements

16 National Portion: Other Commercial Lines - BOP, Crime & Marine

14.1 Businessowners Policy (BOP) in Depth 14.2 Crime and Fidelity Coverage 14.3 Inland Marine and Nationwide Marine Definition 14.4 Ocean Marine Coverages (Hull, Cargo, Freight, P&I)

17 National Portion: Other Commercial Lines - Specialty & Professional

15.1 Farm and Agricultural Coverage 15.2 Commercial Umbrella and Excess Liability 15.3 Professional Liability and Errors & Omissions 15.4 Directors & Officers and Employment Practices Liability

18 National Portion: Other Commercial Lines - Surety, Flood & Specialty

16.1 Surety and Fidelity Bonds 16.2 National Flood Insurance Program (NFIP) 16.3 Cyber, Aviation, and Other Specialty Lines

19 National Portion: Insurance Regulation & Market Conduct

17.1 State Regulation, Licensing, and the McCarran-Ferguson Act 17.2 Rates, Forms, Solvency, and Guaranty Associations 17.3 Producer Authority, Fiduciary Duty, and Company Operations

20 National Portion: Ethics & Unfair Trade Practices

18.1 Unfair Trade Practices and Unfair Claims Settlement 18.2 Producer Ethics, Errors & Omissions Exposure, and Fiduciary Conduct 18.3 Privacy, Fraud, and Consumer Protection

21 Chapter 1: Alaska P&C Insurance Regulation & Licensing

1.1 Alaska Division of Insurance 1.2 Alaska P&C Producer Licensing Requirements 1.3 Alaska Producer Duties and Responsibilities

22 Chapter 2: Alaska Property Insurance

2.1 Alaska Homeowners Insurance 2.2 Alaska Property Insurance Policy Provisions

23 Chapter 3: Alaska Auto & Casualty Insurance

3.1 Alaska Auto Insurance Requirements 3.2 Alaska Commercial Liability Insurance

24 Chapter 4: Alaska Ethics & Professional Conduct

4.1 Alaska Ethical Standards for Insurance Producers 4.2 Alaska Privacy Laws and Regulatory Compliance

Standalone Coverage Map

Key Takeaways Explain This Topic AI

Roughly 70-75% of scored questions test national P&C core concepts identical in every state; 25-30% test Alaska law, Division authority, and Title 21 statutes.

Property coverage lines (Ch. 5-7) and casualty/liability lines (Ch. 9-11) carry the heaviest weighting at about 22% each, so allocate the most review time there.

Alaska administers Property and Casualty as two separately scored Pearson VUE exams, each requiring roughly 70% to pass.

Study the national core first (Ch. 1-11), then workers compensation (Ch. 12) as a bridge, and finally the fact-heavy Alaska chapters (Ch. 13-16) last so memorized numbers stay fresh.

The Alaska layer rewards memorizing numbers: notice periods, fine amounts, CE hours, and auto financial-responsibility limits (50/100/25).

Last updated: June 2026

Standalone Coverage Map

The Alaska Property & Casualty licensing exam blends two distinct bodies of knowledge: a large national core that every U.S. P&C candidate must master, and a smaller, high-yield set of Alaska-specific statutes and regulations administered by the Alaska Division of Insurance. Understanding the split before you study saves time. Roughly 70 to 75 percent of your scored questions test general insurance concepts that are identical in every state. The remaining 25 to 30 percent tests Alaska law, the Division's authority, licensing rules, and consumer protections found in Title 21 of the Alaska Statutes.

This chapter is a map, not a lecture. It tells you what the exam blueprint contains, which study-guide chapters answer each blueprint line, and the order in which you should work through them so that foundational ideas land before the details that depend on them.

National Core vs. Alaska-Specific Content

The national core covers the mechanics that make any property or casualty policy work: insurance basics, the elements of a legal contract, the structure of a policy (declarations, insuring agreement, conditions, exclusions, endorsements), and the major coverage lines. Property lines include dwelling, homeowners, commercial property, the businessowners policy, inland marine, and crime. Casualty lines include personal and commercial general liability, the personal and commercial auto policies, workers compensation, and umbrella coverage. These topics do not change when you cross a state line, so master them once and they travel with you.

The Alaska-specific layer sits on top. It governs who may sell insurance in the state, how the Director of Insurance is appointed and what powers the office holds, the difference between admitted and surplus lines insurers, and the consumer-facing rules: unfair trade practices, claim-settlement timelines, cancellation and nonrenewal notice periods, and Alaska's auto financial-responsibility requirements. Because Alaska has unique geography, pay special attention to surplus lines and to property exposures the state's market treats distinctly.

Blueprint-to-Chapter Map

The table below maps each exam blueprint domain to the study-guide chapters that cover it and shows the national-versus-Alaska weighting so you can budget review time.

• Blueprint Domain Study-Guide Chapters Scope Approx. Weight
• Insurance basics & risk Ch. 1, 2 National 8%
• Contract law & policy structure Ch. 3, 4 National 10%
• Property coverages (dwelling, HO, commercial) Ch. 5, 6, 7 National 22%
• Inland marine & crime Ch. 8 National 6%
• Casualty & liability (CGL, auto, umbrella) Ch. 9, 10, 11 National 22%
• Workers compensation Ch. 12 National + AK 7%
• Alaska statutes & Division authority Ch. 13 Alaska 9%
• Licensing, producer duties, ethics Ch. 14 Alaska 8%
• Unfair practices & claims handling Ch. 15 Alaska 5%
• Auto financial responsibility & surplus lines Ch. 16 Alaska 3%
• Recommended Study Sequence

Work the national core first, because every Alaska rule assumes you already understand the underlying coverage. Begin with Chapters 1 through 4 to build vocabulary and the contract framework. Move next to the property lines in Chapters 5 through 8, then the casualty and liability lines in Chapters 9 through 11. Workers compensation in Chapter 12 bridges the two worlds: the coverage concepts are national, but the benefit rules and the state fund touch Alaska law, so study it after liability.

Only then turn to the Alaska-specific chapters. Chapters 13 through 16 are short, fact-heavy, and reward memorization of numbers: notice periods, fine amounts, continuing-education hours, and financial-responsibility limits. Review them last so the figures stay fresh on exam day, and re-read them the night before. Finish each chapter with its practice questions, and reserve your final two study sessions for mixed-domain quizzes that mirror the real exam's blend.

How to Use This Map on Exam Day

Alaska administers the Property and the Casualty portions as two separately scored exams through Pearson VUE, each requiring roughly 70% to pass. The national core questions are common to both, while the Alaska statutes differ in emphasis: the property exam leans on dwelling, homeowners, and property valuation, and the casualty exam leans on auto liability, the personal and commercial liability lines, and workers compensation. Use the weighting column above to split your review time, spending the most hours on the property and casualty coverage lines that together carry the largest share of scored items.

Treat each chapter's practice questions as a diagnostic: if you miss a coinsurance or limits calculation, return to the worked numeric examples rather than re-reading prose. For the Alaska layer, build a one-page sheet of numbers—financial-responsibility limits ( 50/100/25 ), CE hours, cancellation and nonrenewal notice periods—and review it the night before, because the state questions reward precise recall of figures.

keyTakeaways

About 70 to 75 percent of the exam is national P&C content; 25 to 30 percent is Alaska-specific law under Title 21.

Property and casualty coverage lines together account for the largest share of scored questions.

Alaska chapters are short and number-heavy; memorize notice periods, CE hours, and financial-responsibility limits.

Workers compensation bridges national concepts and Alaska benefit rules, so study it between the core and the state material.

summary

Use this coverage map to sequence your study: master the national core (Chapters 1 through 12) before the Alaska layer (Chapters 13 through 16), let the blueprint-to-chapter table guide your time budget toward the heavily weighted property and casualty lines, and finish with mixed-domain practice so the state-specific numbers stay sharp through exam day.

Sections you finish are checked off in the contents.

• Up Next
• Alaska Property & Casualty Exam Overview
• Introduction: Alaska Property & Casualty Insurance Exam Overview